**Overview**
We are an early-stage, venture-backed fintech that focuses on bringing affordable credit and financial services to small business owners across LatAm - starting with Mexico.
Grupago is able to serve micro-SMBs as a result of three key innovations - community distribution, group collateral, and AI-driven underwriting.
- Community distribution: Grupago acquires community leaders online, who then build lending groups in their local communities. This allows the company to reach rural and otherwise hard to reach customers via its unique and cost effective online-to-offline acquisition approach.
- Group collateral: Borrowers join together as part of lending groups and co-sign for each other’s loans. When a payment is missed, other members are responsible for repayment. This approach allows Grupago to profitably collateralize an otherwise uncollateralized customer segment, as well as build much more robust underwriting data than individual loans.
- AI-driven underwriting: Grupago harnesses the power of AI including non-traditional data sources to underwrite small loans. Over time, they systematically expand credit limits as customers demonstrate successful repayment histories.
We are backed by top venture investors across the US and Mexico, and our co-founding team has spent their careers working in fintech and entrepreneurship.




This role will include a competitive salary, bonus, and equity compensation.
**Requirements**:
We are looking for a hard-working and highly entrepreneurial and experienced Head of Credit & Credit Operations role to join as a founding team member.
You will have primary ownership over managing our credit policies to allow us to achieve low loss rates and unit profitability, as well as manage credit operations - including credit and fraud screening, collections, and customer service interactions.
We are looking for someone who has significant demonstrated experience successfully managing a large consumer (or micro-business) credit portfolio - and achieving best in class loss rates over many years.
We are also looking for someone who is entrepreneurial and willing to roll up their sleeves, interview customers, and get into the low level details of customers and the business to achieve success.
Your main responsibilities are to:
- Continually refine and adjust our credit policies and improve our fraud controls
- Design and execute initiatives to improve collections
- Conduct financial analysis and reporting across loan cohorts, track KPIs, and conduct other financial analysis to support the business
**Benefits**
This role will include a competitive salary, bonus, and equity compensation.

📌 Head of Credit & Credit Operations - Cdmx (Group (Ciudad de México)
🏢 Grupago
📍 Ciudad de México